Call reports 2009
LAWSON BANK — 2009
What LAWSON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,596,000 | 107,497,000 | 111,760,000 | 111,266,000 |
| Total loans | 69,850,000 | 67,189,000 | 66,149,000 | 67,138,000 |
| Allowance for loan losses | 817,000 | 830,000 | 893,000 | 925,000 |
| Securities available for sale | 25,166,000 | 26,965,000 | 29,718,000 | 31,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,609,000 | 97,662,000 | 98,079,000 | 94,794,000 |
| Interest-bearing deposits | 75,750,000 | 78,600,000 | 77,459,000 | 78,191,000 |
| Noninterest-bearing deposits | 18,859,000 | 19,062,000 | 20,620,000 | 16,603,000 |
| Equity capital | 9,600,000 | 9,418,000 | 10,001,000 | 10,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,377,000 | 2,738,000 | 4,096,000 | 5,445,000 |
| Interest expense | 374,000 | 749,000 | 1,096,000 | 1,431,000 |
| Net interest income | 1,003,000 | 1,989,000 | 3,000,000 | 4,014,000 |
| Noninterest income | 166,000 | 345,000 | 512,000 | 660,000 |
| Noninterest expense | 934,000 | 1,895,000 | 2,818,000 | 3,750,000 |
| Provision for loan losses | 150,000 | 255,000 | 355,000 | 405,000 |
| Pretax income | 85,000 | 184,000 | 339,000 | 551,000 |
| Income tax | 10,000 | 13,000 | 13,000 | 40,000 |
| Net income | 75,000 | 171,000 | 326,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,395,000 | 9,492,000 | 9,647,000 | 9,832,000 |
| Total capital | 10,212,000 | 10,322,000 | 10,540,000 | 10,757,000 |
| Risk-weighted assets | 73,694,000 | 73,978,000 | 73,477,000 | 75,216,000 |